What Is Community Health Insurance Community based health insurance CBHI schemes are usually voluntary and characterized by community members pooling funds to offset the cost of healthcare Despite much hope in these systems evidence suggests the impact of CBHI on financial protection and access to needed health care are moderate for those enrolled
Community health is a branch of public health which focuses on people and their role as determinants of their own and other people s health it focuses on the physical and mental well being of the people in a specific geographic region Overview This policy brief outlines what community based health insurance is and why it is important to discuss it in relation to universal health coverage It explores how community based health insurance fits into health financing policy and its key characteristics and effects of CBHI on progress towards UHC
What Is Community Health Insurance
What Is Community Health Insurance
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Community Based Health Insurance CBHI is an emerging concept for providing financial protection against the cost of illness and improving access to quality health services for low income rural households who are excluded from formal insurance Community rating refers to a health insurance pricing system where health insurers can t charge people within a geographic area higher premiums based on their age gender health status or claims history
Health micro insurance schemes are more complex in nature compared to life insurance schemes as they provide services towards specific risks or illnesses and involve the role a health care provider whether independent of or in partnership with the scheme 1 WHAT IS A COMMUNITY BASED HEALTH INSURANCE CBHI CBHI schemes mutuelles de sant in French as they spread in the 1990s have generally been characterized by the following institutional design features
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Part of helping our community stay healthy is offering free health advice and resources around the clock We give our Members assistance with lowering health insurance costs through tax credits and other discounts Community based health insurance schemes CBHIs apply the principles of insurance to the social context of communities guided by their preferences and based on their structures and arrangements CBHIs can help communities manage healthcare costs and provide access to basic healthcare for the poor and other vulnerable groups
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Community based health insurance CBHI schemes are usually voluntary and characterized by community members pooling funds to offset the cost of healthcare Despite much hope in these systems evidence suggests the impact of CBHI on financial protection and access to needed health care are moderate for those enrolled

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Community health is a branch of public health which focuses on people and their role as determinants of their own and other people s health it focuses on the physical and mental well being of the people in a specific geographic region

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What Is Community Health Insurance - Community Based Health Insurance CBHI is an emerging concept for providing financial protection against the cost of illness and improving access to quality health services for low income rural households who are excluded from formal insurance